Zeba, MI
Zeba, MI's wildfire risk, in USFS's own numbers
Zeba sits at the 29th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 283 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Zeba's burn probability — fire likelihood with no building count factored in — sits at the 30th percentile nationally.
Where Zeba's buildings actually sit
92.9% of Zeba's 283 buildings sit in USFS's Direct exposure zone, roughly 263 structures close enough to burnable vegetation for flame contact, not just embers — 5% fall in the Indirect, ember-only zone and 2.1% are Minimal.
Zeba against the rest of the country
Compare Zeba's two percentiles: 81st within Michigan, only 29th nationally — a gap of 52 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Zeba ranks 22,379 for wildfire risk (1 is highest) and 22,093 by building count (1 is largest). Within Michigan alone, it ranks 142 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Shopping for coverage in Zeba
Zeba's moderate wildfire rating (29th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Zeba
With 92.9% of Zeba in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Zeba's figures come from
The methodology guide shows exactly how USFS turned 283 counted buildings into the percentiles shown above for Zeba. The exposure-zones guide covers what Zeba's dominant direct exposure actually means, with real examples from across the dataset.